Other debt like auto loans and credit cards will also affect the score.  

Look for Harte Hanks if they publish a Pennysaver-type publication as well as Auto-trader and similar pubs in your area.Look at Senior Centers and find what they offer.

sorry about the typos I can actually spell water and renter ha ha....where is auto correct when you need it?

Long story short They would not sign a new lease and it rolled over (auto renew for 1 year) and 2 weeks into the new lease they said they will be moving out.

I have a friend who buys and sells cars at the auto auction and wants to somehow figure out a way to work together with me using my money and no other real resources (i'm not involved in business).

But I have a reputable and competent financial advisor who is all over it, so I was thinking of going that direction since it's so auto pilot and stress free.

@Dev Horn Thank you sir.You are more than likely right about these sellers just coming up with a nice round, high number based on their limited research.I very much like your idea of tweaking the auto e-mail to appeal to a more specific set of folks.I am really trying to automate my follow up process to continue staying in front of them, again i believe you are highly correct about the consistency leading to more deals closed.  

Here are a few ideas to kick around:Have borrower get a co-signer, or more specifically, a co-guarantor with property with equity that gets added as additional collateral.Sweeten deal by getting additional collateral like auto, truck, inheritance, anything.If you are concerned about her performance, negotiate a contract for option.

Should I put my car in my LLC name and get business auto insurance?

And most foreigners are far more attuned to owning RE in the US than US citizens are by and large.what I see out in the mid west is just towns that were the silicon valleys 100 years ago run by steel auto and manufacturing.